Card Payment & Processing Solutions

Card payments that integrate seamlessly with your workflows

Zai enables businesses to accept and manage credit and debit card payments through flexible APIs. From the moment a customer enters their card details to the final payout, Zai keeps your entire payment flow connected within a single platform.

Whether you’re building a PropTech platform, marketplace, SaaS product, or other tailored payment workflow, Zai supports complex payment logic with tools that integrate card collection, reconciliation, and flexible disbursement of funds.

How Card Payments Work with Zai
Benefits of Accepting Card Payments
Flexible Options to Accept Card Payments
Why Choose Zai as Your Payment Processor
Secure Online Payment Gateway for Your Business
Flexible Integration for Online Businesses
How to Set Up Card Payments for Your Business
Recurring Card Payments and Stored Cards
Fraud Protection Security and Performance
Frequently Asked Questions about Card Payments
Start Collecting Card Payments with Zai

How Card Payments Work with Zai

Zai’s infrastructure supports the entire card payment collection process, from secure card capture and tokenisation to authorisation, settlement, and reconciliation.

Designed for platforms and digital businesses, our card payments API integrates seamlessly into your product. You manage the customer experience while we handle secure processing in the background. Once authorised, funds are allocated to a digital wallet, ready for disbursement, reporting, or further automation.

Benefits of Accepting Card Payments

With Zai, you can:

Get paid faster with real-time authorisation and quick settlement.
Ideal for B2B, with support for Visa, Mastercard, and American Express.
Enhance customer experience with seamless integration and a frictionless checkout process.
Reduce admin overhead with built-in reconciliation and reporting support
Effortlessly connect card payment flows to disbursements and digital wallets.

Zai goes beyond basic payment acceptance, providing the infrastructure to integrate card payments into your broader platform ecosystem.

Flexible Options to Accept Card Payments

Zai offers multiple options to help you get started:

API Integration
Build a fully custom checkout experience using Zai’s developer-first API. You maintain full control of the frontend and payment flow.

Plugin Support (by request)
Plugins are available for select platforms to simplify card payment collection. Please contact us to learn more.

Hosted Forms and Fields
Choose from Zai’s Hosted Forms or Hosted Fields to accept online card payments while supporting your PCI DSS requirements and maintaining flexibility.

Hosted Forms: A pre-built iframe that integrates seamlessly into your web pages, offering a quick and simple solution.
Hosted Fields: A more customisable option that allows you to design a unique payment UI while securely capturing cardholder data through JavaScript iframes. Hosted Fields support cardholder name, card number, expiry date, and CVV, and are fully responsive, accessible, and aligned with PCI SAQ-A compliance standards.

While Zai’s solutions help simplify your PCI DSS compliance and reduce the scope of sensitive data handling, merchants retain responsibility for overall data security practices. Sensitive card data is securely captured and hosted in Zai’s PCI DSS Level 1 compliant environment, but maintaining compliance requires merchants to follow best practices outside of Zai’s hosted fields.

Why Choose Zai as Your Payment Processor

Zai is more than a card payment solution. We provide the infrastructure to seamlessly integrate card payments into your platform, helping your business scale with ease.

Accept major card networks including Visa, Mastercard, and American Express
Route funds seamlessly into digital wallets for efficient financial management
Securely store card details using tokenisation technology
Enable recurring billing and scheduled payments to support subscription models
Connect card payments to your payout or approval workflows for greater automation
Access local support and benefit from transparent pricing tailored to your needs

Zai simplifies payment processing while enhancing customer experiences and supporting your business growth.

Secure Online Payment Gateway for Your Business

Zai aligns with PCI-DSS Level 1 standards, the highest level of certification for payment service providers. Our tokenisation model ensures sensitive card data is securely handled, reducing the risk of exposure and simplifying the process of meeting your compliance obligations.

Read our PCI compliance guide.

Powerful payment processing & flexible pricing

Accept payments online seamlessly and securely with flexible pricing models built for your business.

Find out more

Flexible Integration for Online Businesses

Zai supports a variety of digital use cases and technical environments, making it easy to integrate card payments into your platform:

API-first card payment integration for full control and customisation
Optional plugins for specific CMS platforms to simplify implementation
Secure card token storage for reuse in future transactions
Seamless wallet connectivity to route funds efficiently
Reconciliation-ready transaction data with webhook notifications for real-time updates

Zai’s infrastructure is designed to streamline payment workflows, reduce complexity, and support your business growth.

Explore developer documentation

How to Set Up Card Payments for Your Business

Getting started with card payments doesn’t have to be complicated. Whether you’re looking for a quick way to accept card payments or building a sophisticated payment platform, here are the key steps to follow:

Set Up a Merchant Account
To accept Visa, Mastercard, or American Express payments in Australia, you’ll need a card acquiring arrangement. This is essential for processing transactions securely and efficiently.
Select the Best Integration Option
Choose an integration method that aligns with your platform’s technical needs and business objectives. Zai offers API-based integrations that give you full control to create a customised card payment experience embedded directly into your platform. For teams looking to simplify PCI DSS compliance while retaining flexibility, Zai's hosted fields option enables secure data capture within your own UI. Additionally, for selected eCommerce platforms, Zai provides plugin options that reduce development effort and make integration fast and easy.
Link Card Payments to Workflows
Decide how incoming card payments will be managed as part of your payment workflow. With Zai, funds from card transactions can be automatically routed through your chosen disbursement logic using our flexible API. This allows you to integrate card settlements directly into your operational processes, for example triggering payouts to clients, partners or service providers as part of an end-to-end workflow. By embedding payments into your platform rather than treating them as a separate function, you gain greater control, visibility and automation across the entire transaction lifecycle.
Understand PCI Compliance Requirements
Familiarise yourself with the PCI-DSS framework and select an integration method that aligns with your compliance obligations. This ensures secure payment processing and protects sensitive cardholder data.

Setting up card payments in Australia requires careful planning to address both technical and regulatory needs. By choosing the right setup, you can create a scalable, secure, and seamless payment experience for your customers.

Talk to us

Recurring Card Payments and Stored Cards

Zai leverages tokenisation to securely store card details, enabling your business to:

Facilitate recurring billing with ease
Reduce checkout friction for returning customers
Process future payments without needing to recollect card details

You retain full control over your billing logic, while Zai manages card security and settlement seamlessly.

Fraud Protection, Security and Performance

Zai’s infrastructure supports secure, reliable card payments:

Built-in tokenisation and secure API endpoints
PCI-DSS aligned infrastructure
Monitoring tools to detect suspicious behaviour
Fraud minimisation support across your transaction flow

Frequently Asked Questions
about Card Payments

What cards does Zai support?

Zai supports Visa, Mastercard, and American Express.

Can I store card details for future use?

Yes. Zai supports tokenisation for recurring or repeat payments.

Can I use a plugin?

Yes, for specific cases. Plugin availability depends on your platform and integration needs.

How quickly can I access funds?

Funds are typically settled within 1 to 2 business days. Timing may vary depending on your business type, risk profile, and acquiring bank setup.

Are you PCI compliant?

Yes. Zai has Level 1 PCI-DSS compliance.

Accept Debit & Credit Card Payments

Card payments that integrate seamlessly with your workflows